The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$49,576
−HK$3,109/mo
▼ 0.25% · 3.875%
HK$51,118
−HK$1,567/mo
Today · 4.125%
HK$52,685
baseline
▲ 0.50% · 4.625%
HK$55,890
+HK$3,205/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$105,370/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,153
−HK$2,979/mo
▼ 0.25% · 3.875%
HK$56,632
−HK$1,500/mo
Today · 4.125%
HK$58,132
baseline
▲ 0.50% · 4.625%
HK$61,197
+HK$3,065/mo
Deposit HK$10.87M · loan HK$10.87M · min. income ≈ HK$116,264/mo (50% DSR)
Upfront cash ≈ HK$11.79M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,491
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$61,342
−HK$1,880/mo
Today · 4.125%
HK$63,222
baseline
▲ 0.50% · 4.625%
HK$67,069
+HK$3,847/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$126,444/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,183
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$67,958
−HK$1,801/mo
Today · 4.125%
HK$69,759
baseline
▲ 0.50% · 4.625%
HK$73,436
+HK$3,677/mo
Deposit HK$8.70M · loan HK$13.04M · min. income ≈ HK$139,518/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,406
−HK$4,353/mo
▼ 0.25% · 3.875%
HK$71,565
−HK$2,194/mo
Today · 4.125%
HK$73,759
baseline
▲ 0.50% · 4.625%
HK$78,247
+HK$4,488/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$147,518/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,214
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,285
−HK$2,100/mo
Today · 4.125%
HK$81,385
baseline
▲ 0.50% · 4.625%
HK$85,675
+HK$4,290/mo
Deposit HK$6.52M · loan HK$15.22M · min. income ≈ HK$162,770/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,237
−HK$5,596/mo
▼ 0.25% · 3.875%
HK$92,012
−HK$2,821/mo
Today · 4.125%
HK$94,833
baseline
▲ 0.50% · 4.625%
HK$100,603
+HK$5,770/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$189,666/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,275
−HK$5,363/mo
▼ 0.25% · 3.875%
HK$101,937
−HK$2,701/mo
Today · 4.125%
HK$104,638
baseline
▲ 0.50% · 4.625%
HK$110,154
+HK$5,516/mo
Deposit HK$2.17M · loan HK$19.57M · min. income ≈ HK$209,276/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$924,009 · Scale 2, in force from 26 Feb 2026)